R&T Deposit Solutions
Website Terms of Use
(Last Modified: April 2, 2024)
1. Acceptance of the Terms of Use
These Website Terms of Use (together with any documents expressly incorporated herein by reference) (“Terms of Use”) sets forth the terms and conditions under which Reich & Tang Deposit Networks, LLC, Reich & Tang Deposit Solutions, LLC and Total Deposit Solutions, LLC (each, d/b/a R&T Deposit Solutions) and Stable Custody Group II LLC, each a Delaware limited liability company, and their affiliates (together, “R&T”, “us” or “we”) allows access and use of the website at www.rnt.com, including any information, graphics, content, documents, materials, functionality and services available or offered on or through www.rnt.com (the “Website“). Your (“you” or “your”) access to and use of the Website are governed by the version of the Terms of Use in effect on the date the Website is accessed by you.
Please read these Terms of Use carefully before you start to use the Website. By using the Website, you will be deemed to accept and agree to be bound and abide by these Terms of Use and our Privacy Policy (“Privacy Policy”) incorporated herein by reference. If you do not want to agree to these Terms of Use or our Privacy Policy, you must not access or use the Website.
R&T may offer or provide services from or through the Website under additional terms of use, such as access to the R&T Portals (as defined below). You agree to comply with those additional terms of use in regard to those services (and, in the event of an inconsistency between the terms and conditions set forth in these Terms of Use and those additional terms of use in regard to those additional services, those additional terms and conditions will prevail). You may be asked to execute or agree to supplemental agreements or set-up forms (including the Terms of Use (for R&T Portals)), in paper or electronic form, before you are permitted to access or use those services (each, a “Supplemental Agreement”). In the case of Supplemental Agreements presented to you online through the Website or a R&T Portal, you hereby authorize R&T to rely upon “checks” or “clicks” in designated locations that are attributable to your password or authorization codes as your consent to the terms of such Supplemental Agreements. These Terms of Use are in addition to any Supplemental Agreement and is not intended to supersede or modify any such Supplemental Agreement, nor is such Supplemental Agreement intended to supersede or modify these Terms of Use.
2. Authorized Use of Website
You may only use the Website for lawful purposes and in accordance with these Terms of Use. In accessing the Website, you do at your sole risk, and in compliance with and permitted by applicable law, only to gain information about the possibility of using services described on the Website (“Authorized Purposes”).
For Authorized Purposes: (i) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; (ii) you may store files that are automatically cached by your Web browser for display enhancement purposes; (iii) you may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution; (iv) if we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications; (v) and if we provide social media features with certain content, you may take such actions as are enabled by such features, in all such cases, so long as you make such persons aware that you are the person who has forwarded the information and so long as you do not remove, conceal, or alter any copyright notice, byline information, disclaimer, restriction, or other notice. R&T may terminate your access to the Website for any reason, without prior notice.
This Website is only offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with R&T. If you do not meet all of these requirements, you must not access or use the Website.
3. Limits on Use of Website
You must not use the Website (i) in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); (ii) for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise; (iii) to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation, (iv) to impersonate or attempt to impersonate R&T, a R&T employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing); or (v) to engage in any other conduct that restricts or inhibits anyone’s use of the Website, or which, as determined by us, may harm R&T or users of the Website, or expose them to liability.
You must not (i) access or use for any commercial purposes any part of the Website or any services or materials available through the Website, (ii) modify copies of any materials from the Website, (iii) use any illustrations, photographs, video or audio sequences, or any graphics on the Website separately from the accompanying text on the Website, (iv) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website or (v) broadcast, decompile, disassemble, perform, publish, rent, reproduce, reverse engineer, sell, transmit, or create derivative works from all or any part of the Website or permit any person to perform any act relating to the Website not authorized by these Terms of Use; provided that nothing in this paragraph restricts a Client from using R&T sample marketing materials obtained through a Client & Customer Portals (as defined in Section 10 of these Terms of Use) or otherwise from R&T in accordance with both applicable law and the written agreement entered into between R&T and its Client with respect to the provision of R&T’s services to Client.
Additionally, you agree not to: (i) use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website; (ii) use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; (iii) use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent; (iv) use any device, software, or routine that interferes with the proper working of the Website; (v) introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (vi) attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website (or R&T Portals), the server on which the Website is stored, or any server, computer, or database connected to the Website; (vii) attack the Website via a denial-of-service attack or a distributed denial-of-service attack; or (viii) otherwise attempt to interfere with the proper working of the Website, including in any manner (A) that could damage or overburden our server(s) or any network connected to any of our servers or (B) that would or does interfere with another party’s use of the Website. You also may not perform any vulnerability or penetration testing of the Website network or systems, including through your own hosted environment, without R&T’s prior written consent.
In using the Website, you may not interfere with R&T’s business or our ability to provide services to other clients of R&T, nor take any action nor make any use of the Website that places excessive burdens on the network or systems used to provide the Website. Specifically, you may not use or provide open proxies or Internet Relay Chat or use the Website for video streaming. If your use of the Website materially exceeds the use by similarly situated clients of R&T, we may suspend or terminate your use of the Website, in our sole discretion.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by R&T. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. If you wish to make any use of material on the Website other than that set out in Section 2 and this Section 3, please address your request to: info@rnt.com
4. Availability of Website
R&T makes no representation, warranty, or covenant that the Website will be available at all times or at any time. Various circumstances may prevent or delay availability. R&T may, at any time, in its sole discretion and without notice, discontinue the Website, in whole or in part, or suspend your access to the Website, or withdraw or change any service or material available through the Website, for any reason or no reason. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users of R&T Portals (as defined below).
You are solely responsible for (i) making all arrangements necessary for you to have access to the Website and (ii) ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.
5. Ownership of Website and Contents
All right, title and interest in the Website and its entire contents, features, functionality or other materials (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) is the exclusive property of R&T, its licensors, or other providers of such material, and you have no ownership rights in the Website or such materials. The Website and such materials are protected by United States and/or international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only, subject to these Terms of Use. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except for an Authorized Use and in accordance with these Terms of Use.
6. Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes (for your convenience and information only). We do not represent or warrant the accuracy, completeness, or usefulness of any information on this Website. Any reliance you place on such information is strictly at your own risk. There may be errors or omissions in the Website, and R&T reserves the right, but will not be required, to correct any errors or omissions. R&T will not be responsible for any loss, cost, damage, or liability that may result from any loss or delay of availability, any suspension of access, or any errors or omissions. In addition, R&T will not be responsible for the accuracy, completeness, or timeliness of the Website (including any content on it) or for the results obtained from its use. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
Our services are provided only to Clients, subject to the terms and conditions of the written agreements entered into between R&T and its Client with respect to the particular service provided by R&T, and we provide no representations or warranties, express or implied, except as expressly set forth in those agreements.
This Website may include content provided by third parties, including materials provided by other third parties. All statements and/or opinions expressed in those materials, and all articles and responses to questions and other content, other than the content provided by R&T, are solely the opinions and the responsibility of the third party providing those materials. Those materials do not necessarily reflect the opinion of R&T. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties. Use of those materials on R&T’s Website does not imply endorsement by R&T.
7. R&T’s Services
R&T offers and provides administrative, recordkeeping, agency and/or other services to its Clients, which are banks, broker-dealers, credit unions, wealth management firms and other financial or commercial institutions. R&T does not offer or provide products, programs or services to consumers or to our Client’s Customers. The services offered by R&T are only available to Clients that are residents of the United States of America. References on the Website to programs administered by R&T or to R&T’s services should not be considered a solicitation to buy products or services or an offer to sell products or services to any person. Information provided on the Website regarding such programs and services is not intended to take the place of the written agreements and disclosures governing those programs and services. Eligibility for certain programs and services may vary. Additionally, these Terms of Use do not take the place of any legally required disclosures for any programs administered by R&T that are offered by our Clients to its Customers.
Visit https://rnt.com/disclosure/ for additional legal disclosures. All of our services described on or through our Website are subject to those Legal Disclosures.
R&T is not an Federal Deposit Insurance Corporation (“FDIC”) or National Credit Union Share Insurance Fund administered by the National Credit Union Association (for ease, “NCUA”)-insured institution. FDIC and NCUA insurance only covers the failure of an FDIC or NCUA-insured institution, respectively. Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Visit https://rnt.com/about/receiving-institution-lists/ for a list of the FDIC and NCUA-insured institutions with which R&T has a business relationship for the placement of deposits under the DDM and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers). While the DDM and RTID programs provide access to an expanded level of FDIC or NCUA insurance coverage on funds placed into the programs (up to the program limit and subject to program terms and FDIC and NCUA laws and regulations, including FDIC and NCUA pass-through insurance coverage requirements), the DDM and RTID programs, themselves, as well as R&T’s other service offerings (including LMS, FPL and R&T Bank Monitor), are not insured or guaranteed by the FDIC or NCUA, are not deposits and may lose value in certain circumstances as described in the program/service terms. R&T is not a division of the FDIC or NCUA, R&T is not associated with the FDIC or NCUA and R&T is not insured by the FDIC or NCUA.
8. No Legal, Investment or Other Professional Advice
R&T does not offer or provide, and nothing in this Website shall constitute, any tax, accounting, investment, legal or other professional advice or recommendation. Nothing on this Website or otherwise constitutes an offer to sell or a solicitation of an offer to buy any security. Without limiting the foregoing, R&T does not offer or provide any professional or investment advice or recommendation regarding the nature, potential value, or suitability of any particular program, product, service, transaction, investment strategy, or other course of action by a person, including any Client or Customer. Prior to the execution of any transaction by you involving information you receive from the Website or R&T, you should consult your financial, business, tax and accounting advisors and your attorney, with respect to the price, suitability, value, risk or other aspects of any product or service.
9. Forward Looking Statements
Certain information on the Website may contain certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words “believe,” “expect,” “anticipate,” “optimistic,” “intend,” “aim,” “will” or similar expressions are intended to identify forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements. Certain information on the Website also may contain certain past performance information, such as rates. Any rates shown are based on market conditions. Past performance is no guarantee of future results. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update or revise any dated or forward-looking statements.
10. R&T Portals
R&T may permit use or access to website portals or platforms by its Clients and their authorized representatives (“Client Portals”). In addition, R&T may permit use or access to website portals or platforms by customers of R&T’s Clients (“Customers”) (the “Customer Portals”). Such Client Portals and Customer Portals, the “R&T Portals”. Access to any R&T Portal, including through the Website, is limited to duly authorized employees or representatives of our Clients that have entered into a written agreement with R&T and/or, if applicable, their authorized Customers, in each case who have been granted access to the R&T Portal. You may not obtain or attempt to obtain unauthorized access to a R&T Portal or any other protected materials or information through any means not intentionally made available by R&T for your specific use.
To access a R&T Portal, you will be asked to provide certain log-in or other authorization details. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with or obtain access to a R&T Portal, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures to access a R&T Portal, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account through any R&T Portal is personal to you and you agree not to provide any other person with access to the R&T Portal or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your R&T Portal account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user name, password, or other identifier with respect to a R&T Portal, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Client Portals are governed by (i) the particular Services Agreement or Terms of Use for the Client Portal (as posted on that Client Portal from time to time) (if any), (ii) our Terms of Use and (iii) the applicable written agreement entered into between R&T and the Client with respect to services provided by R&T to our Client. In the event of any inconsistency between the terms and conditions of such documents, the order of precedence of those terms shall be (i), (ii) and (iii).
Customer Portals are governed by (i) the particular Services Agreement or Terms of Use for the Customer Portal (as posted on that Customer Portal from time to time) (if any) and (ii) our Terms of Use. In the event of any inconsistency between the terms and conditions of such documents, the order of precedence of those terms shall be (i) and (ii). Customer Portals are provided for access and use by Customers solely in R&T’s capacity as a service provider to its Client.
11. Changes to the Website
We may update or change any contents on the Website from time to time, in our sole discretion and without notice. Any information provided is solely for your information and “AS IS” and “AS AVAILABLE” and we make no representation or warranty that the content on the Website is necessarily complete, accurate, fit for particular purpose, or up-to-date. The user bears full responsibility for all use of such information. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
12. Linking to the Website and Social Media Features
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our prior express written consent.
This Website may, from time to time, provide certain social media features that enable you to: (i) link from your own or certain third-party websites to certain content on this Website, (ii) send emails or other communications with certain content, or links to certain content, on this Website or (iii) cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites. You may use these features solely as they are provided by us. Subject to the foregoing, you must not: (A) establish a link from any website that is not owned by you; (B) cause the Website or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking; (C) link to any part of the Website other than the homepage; or (D) otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice.
We may disable all or any social media features and any links at any time without notice in our discretion.
13. Links from the Website
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site. Such linked sites are subject to the terms and conditions of use for such site.
R&T makes no warranty or representation regarding, and does not endorse, nor is responsible for, any linked site, the information appearing thereon or any of the products or services described thereon. Linked sites may have a privacy policy different from R&T’s privacy policy and the linked site may provide less security than R&T’s sites. Links to linked sites do not imply that R&T sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sit is authorized to use any trademark, trade name, logo, symbol or copyright of R&T.
14. User Contributions
The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards and other interactive features (collectively, “Interactive Services“) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post“) content or materials (collectively, “User Contributions“) on or through the Website.
All User Contributions must comply with the Content Standards set out in these Terms of Use below. Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose/according to your account settings.
You represent and warrant that (i) you own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns; and (ii) all of your User Contributions do and will comply with these Terms of Use.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not R&T, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.
15. User Contributions – Monitoring and Enforcement; Termination
We have the right to: (i) remove or refuse to post any User Contributions for any or no reason in our sole discretion; (ii) take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for R&T; (iii) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; (iv) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website; and (v) terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.
Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS R&T AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY R&T OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER R&T OR SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
However, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
16. Content Standards
These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not: (i) contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; (ii) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age; (iii) infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person; (iv) violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy; (v) be likely to deceive any person; (vi) promote any illegal activity, or advocate, promote, or assist any unlawful act; (vii) cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person; (viii) impersonate any person, or misrepresent your identity or affiliation with any person or organization; (ix) involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising; or (x) give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
17. Geographic Restrictions
The owner of the Website is based in the State of New York in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. By the Website, you understand that information about you may be transferred to countries outside of your country of residence, including to the United States, which may have data protection rules that are different from those of your country.
18. Privacy & Collection of Your Information through Website
Your use of the Website shall be governed by our Privacy Policy posted on the Website (as such Privacy Policy may be changed from time to time in accordance with its terms). The Website is NOT intended to be used by European Union residents or users under the age of 18 years.
All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with our Privacy Policy. All information you submit to R&T via the Website will be considered to be the property of R&T. To the extent applicable law does not permit R&T to own such information, you hereby grant a perpetual, worldwide, unlimited license to R&T to use the information you submit for any purpose.
19. Trademarks
You must not use our marks without our express prior written consent. R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM ®, DepositView® and RTID® are registered marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). Total Bank Solutions®, TBS Verify® and TBS Bank Monitor® are registered marks of Total Deposit Solutions, LLC (d/b/a R&T Deposit Solutions). RNTSSM, Certificate of Deposit MarketplaceSM, R&T FusionSM and Fusion by R&TSM are pending marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). IDEASM and R&T Bank MonitorSM are unregistered service marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). R&T also claims rights in certain other trademarks and service marks contained and displayed on the Website.
All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. R&T makes no claim to such marks and does not endorse, support or recommend such goods or services.
20. Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files, data or other materials available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PERMITTED BY LAW, R&T SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES, LINKS OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER R&T NOR ANY PERSON ASSOCIATED WITH R&T MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER R&T NOR ANYONE ASSOCIATED WITH R&T REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, FIT FOR PARTICULAR PURPOSE, TIMELY, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PERMITTED BY LAW, R&T HEREBY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY (A) WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, (B) WARRANTIES AGAINST INFRINGEMENT OF ANY THIRD-PARTY INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS OR OF QUIET ENJOYMENT, (C) WARRANTIES RELATING TO DELAYS, INTERRUPTIONS, ERRORS, OR OMISSIONS, AND (D) WARRANTIES OTHERWISE RELATING TO ACCURACY, PERFORMANCE, OR OTHER ACTS OR OMISSIONS BY R&T.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
21. Limitation on Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL R&T, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS HAVE ANY LIABILITY OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR THESE TERMS OF USE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE AND EVEN IF R&T HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE EXCLUSIONS OF DAMAGES IN THESE TERMS OF USE ARE INDEPENDENT OF, AND SURVIVE THE FAILURE FOR ANY REASON OF, ANY OTHER REMEDY.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
22. Indemnification
You agree to defend, indemnify, and hold harmless R&T, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to (i) your breach or violation of these Terms of Use or (ii) your use of the Website, including, but not limited to, the Website’s content, services, and products, other than as expressly authorized and in compliance with these Terms of Use.
23. Governing Law, Jurisdiction & Waiver of Jury Trial
All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the United States District Court for the Southern District of New York or any New York State court sitting in New York City. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
THE PARTIES KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ALL RIGHTS TO TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR CLAIM ARISING OUT OF THE WEBSITE, THESE TERMS OF USE, ANY DOCUMENT EXECUTED BY THE PARTIES IN CONNECTION WITH THESE TERMS OF USE, OR ANY TRANSACTION CONDUCTED HEREUNDER.
24. Limitation on Time to File Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
25. Changes to Terms of Use
We may change or replace these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in ‘Governing Law and Jurisdiction’ section above will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Website.
Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.
26. Waiver, Severability & Assignment
No waiver by R&T of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of R&T to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
You may not assign, sublicense, delegate, subcontract or otherwise transfer your rights, duties and obligations under these Terms of Use to a third party without our express written consent.
27. Entire Agreement
These Terms of Use, our online Privacy Policy (https://rnt.com/privacy-policy/) and our Legal Disclosures (https://rnt.com/disclosure/) constitute the sole and entire agreement between you and R&T regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website. To the extent of inconsistency between those document (i) with respect to privacy-related matters, the order of precedence shall be our Privacy Policy, the Terms of Use and our Legal Disclosures and (ii) otherwise, the order of precedence shall be these Terms of Use, our Legal Disclosures and our Privacy Policy.
Notwithstanding the above, with respect to the R&T Portals, the sole and entire agreement between, on the one hand, R&T and, on the other hand, a Client and/or Customer, are the documents as set forth in the ‘R&T Portals’ section above (and those documents supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the R&T Portals).
28. Your Comments and Questions
This Website is operated by Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions), located at 1370 Broadway, 17th Floor, New York, NY 10018. All notices of copyright infringement claims should be sent to Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions), 1370 Broadway, 17th Floor, New York, NY, Attention: Executive Vice President, General Counsel.
All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to info@rnt.com
Copyright © 2024 Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). All rights reserved.